In general, rates for liability insurance are based in the case of private type automobiles on the power of the engine, the purpose for which the vehicle is used and the location of the usual garage. In the case of goods vehicles, the rating factors are the carrying capacity, the purpose for which the vehicle is used and the garage address. These factors provide the basic rates at which the majority of business is written. Other factors, however, are taken into account in assessing the terms for the substandard risk. These would vary with the ideas of individual underwriters, but common causes of penalty terms in respect of regular drivers would include,